Complaint About AIA insurance
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 Nov 18 2016, 08:28 PM
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#1
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Senior Member
1,811 posts Joined: Feb 2011 
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Halo guys, i have scenario here. Paying for aia investment link insurance for 13 years but noticed now that the medical coverage is not sufficient. I understand that i am not able to upgrade medical card. So the option is to buy new medical card or second is to get new policy while keeping the old one....which is better option? Tks
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Nov 20 2016, 03:38 PM
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#2
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Senior Member
1,811 posts Joined: Feb 2011
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QUOTE(JIUHWEI @ Nov 19 2016, 11:08 AM) There's an upgrade option that AIA is offering to existing policy holders. Reason being we also know that the old products coverage are not keeping up with the current times already. Thanks bro...ya i found one but options given are buying a new investment package or either to get a new medical card to compliment the existing investment plan. Let me ask her to check for upgrade....rather than buying totally new one which is very expensive...Check with your agent. He/she should have the information available to you. Or, you can engage any AIA agents here and we will be able to facilitate your upgrade options together. :thumbsup:  If still cannot upgrade, probably will ask u to look into it. Tks |
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Nov 21 2016, 10:34 AM
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#3
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Senior Member
1,811 posts Joined: Feb 2011
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QUOTE(lifebalance @ Nov 20 2016, 05:09 PM) You can upgrade your medical card but it will fall under the new plan and will subject to new health declaration. As the older plans are no longer available. Newer plans might cost slightly higher due to better benefits and also your increased age factor. ic, meaning i can upgrade the medical card falls under the existi g investment plan or its totally new one. Tq |
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Nov 21 2016, 12:11 PM
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#4
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Senior Member
1,811 posts Joined: Feb 2011
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QUOTE(lifebalance @ Nov 21 2016, 10:44 AM) It will still be under the existing investment plan or a totally new plan if you choose to sign up a new plan entirely Tq, i would prefer to keep and upgrade the old package than entirely buying new one which is expensive....Depending on how the agent advise you. |
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Nov 21 2016, 07:35 PM
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#5
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Senior Member
1,811 posts Joined: Feb 2011
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QUOTE(lifebalance @ Nov 21 2016, 12:17 PM) Most likely you'll have to top up on your monthly premium. Get your agent to do so. Bro she said cannot top up as the old package was discontinued. just to check if the info is correct..thanks |
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Nov 24 2016, 07:45 AM
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#6
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Senior Member
1,811 posts Joined: Feb 2011
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QUOTE(lifebalance @ Nov 23 2016, 10:57 AM) Can top up one as per jiuhwei said Hi bro, i agree and i called to aia hotline. Hotline confirmed can upgrade and i contacted the agent that they allocated to me as my existing agent has resigned. Managed to upgrade. Many thanks to u guys.Your agent not being professional on this. i supposed this new aia agent (ex-ing) not experienced or intentionally ask me to buy new package. Perhaps they cant see my old package or lazy to retrieve it...later ask me to fill up form but i said no need already la... |
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Nov 24 2016, 07:51 AM
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#7
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Senior Member
1,811 posts Joined: Feb 2011
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QUOTE(JIUHWEI @ Nov 23 2016, 10:02 AM) To answer your question: No, that is not true. Bro, understood now and u guys are true professional. The existing agent resigned and reassigned to the district manager which already upgraded me with the medical plan. As for the other agent which is ex-ing...right to say that upgrading will not bring her commission and thats why propose new package.Yes, the old products are being discontinued. AIA's rebranding exercise after acquiring ING began in 2013. A completely new line of products were launched and the old ones being discontinued (but if you hold the old policy, it is still in force and you still enjoy all the benefits spelled out in your policy contract. You just can't buy old products anymore). If your existing plan is an investment-linked plan (beginning with the letter "U" followed by numbers, you can just upgrade on your existing plan. There is even a special calculator to generate the difference in premium for your medical upgrade, or even to add in new riders. Now that all technical stuff is said, is the agent memang your existing agent or is she an agent that you're dealing with for the first time? If is an old-timer...quite bad la. But if is a new agent that you've never dealt with before, by upgrading your old plan she won't get any commissions at all. Another thing you can do to check on your options available is to go to any AIA branch office. Our CS are more than capable to help you out. :thumbsup: Perhaps i should stop engaging her for my other plan.... |
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Nov 24 2016, 08:22 PM
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#8
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Senior Member
1,811 posts Joined: Feb 2011
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QUOTE(jes88 @ Nov 24 2016, 09:46 AM) Do u need to do another medical check up to tpp up existing medical plan? So far no need as never claim b4...out of the topic, i found prudential coverage expensive than others, why is it so...even i had compare similar riders etc...This post has been edited by Neoh1979: Nov 24 2016, 08:24 PM |
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